The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,478
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$773/mo
Today · 4.125%
HK$26,013
baseline
▲ 0.50% · 4.625%
HK$27,596
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,026/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$741/mo
Today · 4.125%
HK$28,703
baseline
▲ 0.50% · 4.625%
HK$30,216
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,406/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$928/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,270
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$1,083/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,147
−HK$1,037/mo
Today · 4.125%
HK$40,184
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,368/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,061
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,432
−HK$1,392/mo
Today · 4.125%
HK$46,824
baseline
▲ 0.50% · 4.625%
HK$49,673
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,648/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,017
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,332
−HK$1,334/mo
Today · 4.125%
HK$51,666
baseline
▲ 0.50% · 4.625%
HK$54,389
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,332/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,559 · Scale 2, in force from 26 Feb 2026)